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See if you can get pre-approved by a credit union or bank before going in at that set % rating. With that pre-approval you show the dealership you are a real buyer.
Usually if you haggle the dealer enough you can get them to cover T,T&L fees. They will also try to push you to go with their financing at a lower % rate because it pays them more money in the end (had 4.5% with USAA and they offered 3.7% GMAC).
In the end it's a nice base model to mod and do what you want with...at a pretty good low price =).
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